Mortgage interest rates are a hot topic for people, and saving money is important to everyone. Interest rates are determined to a large part by how people manage their credit, and fluctuate with the economy.

However, rates are only one part of the whole picture when it comes to good financing.

In my business, I have seen lots of people get lured in by low rates upfront, only to find themselves trapped later when they want to make changes to their financing because their situation has changed.

My mission is to find good financing for people at competitive rates and terms, based on their short- and long-term goals.

Besides having access to the open lender market, I can do this well by taking other factors into consideration that people might not realize are equally important. These factors include and are not limited to: Terms, rates, service, policies, flexibility around changes, and hidden fees.

Which rate should I choose: FIXED or VARIABLE?